all these "middle class" banyak ah ci ah cor bising banyak burden.

kanasai u come be a poorfag like me, then you will syukur being a middle class

i wana apply third card oso taboleh, because BNM rule, income below rm3k a month maximum allowed 2 cards only
SST on CC is not waivable. Dulu first time implement sudah ask.

but dunno lah maybe the banks will give something in return to offset the  charge to selected customers

Current implementation i dunno

last time i confirmed kena. no waiver. and not important enough for the bank to give me any other benefit to offset it.